| Summary: | 碩士 === 國立中央大學 === 資訊管理學系碩士在職專班 === 95 === With the booming of IT development, Internet network to the growing popularity of the roadway, brought for the future efficiency and convenient profit for the financial transactions, it also brings a lot of useful from the past entities ATM, telephone banking to Internet banking, in recent years the industry vigorously promote the Web ATM. Web ATM in Taiwan for less than three years, is the current financial market transactions novel pathway models consumers only in their own computer through the browser general operating entities ATM functions. Because of the new ATM network in the literature is not that much. Therefore, this study will affect consumers against the use of the web ATM key factors are discussed.
The main purpose of the study was to investigate the general consumers for the use of Web ATM attitude and willingness to use factors technology acceptance model as a major research framework, and incorporate innovation diffusion of innovation theory handling characteristics and perceived risk and consumer characteristics, and other related theories, development of the research framework, Discussion on the Perceived usefulness，perceived ease, the relative advantage, compatibility, Perceived risk and consumer characteristics for use in Web ATM and attitudes will influence the use and analysis of their results, used to understand the consumers accept Web ATM key factors. Hope this will provide financial industry Web ATM for future reference.
This thesis took people living in northern area of Taiwan as the sampling object, and developed a traditional questionnaire and network questionnaire to gather sample data. Total valid response count is 220. The results of this thesis are summarized as below:
1.Perceived usefulness，perceived ease，relative advantage and compatibility all have significant and obvious influence on adoption attitude. Perceived usefulness influences the most，and relative advantage is the second large influential factor，and perceived ease is the third large influential factor.
2.Perceived risk for the use of ATM network with a negative attitude to the impact of perceived risk if the dimensions, time to the most significant risks, followed by privacy risk, financial risk, and security risk.
3.Characteristics of consumer demographic variables, the use of revenue will have a positive attitude, and the age, education, occupation, Sex on the use of attitude has not affected.
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